Uber & Lyft Accident Settlement Calculator, from your losses, your share of fault and your state's rules.
Estimate an Uber accident settlement or Lyft claim: the insurance each app period needs in 17 states, why those figures are minimums, and your net after fees.
How Uber & Lyft accident settlements are calculated
This calculator adds up the losses you enter, multiplies the injury losses for pain and suffering, and then applies your share of fault, your state's rules and any policy limit you give it. Here's what each step actually does to your number.
What the formula returns at these inputs
These are outputs of the calculator on this page, not settlements anyone received. Each row feeds the inputs described into the same formula the calculator runs, and the last column is the number it returns. We hold no dataset of closed cases, so we publish the formula working instead of figures we cannot source.
Every row is run in Arizona with no share of fault assigned to the claimant. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. Arizona is used because our state-law data records it as a pure comparative fault jurisdiction with no damages cap of any kind, so nothing here is clipped by a state limit and you can see the formula itself. Pick your own state in the calculator above and the number moves. Economic damages include property damage, which the formula adds to the total but never multiplies.
What Uber and Lyft say they carry
In their own words, from their own pages, read on September 23, 2026. What a company says it carries is not the same thing as what the law requires.
Both companies publish the insurance they arrange for drivers, period by period, and both describe it as a minimum: "at least" is the phrase each of them uses. A company's page is its own statement of what it carries. It is no evidence at all of what a statute requires, which is why the state law is set out separately below and read from each state's own publication.
Three details on those pages matter more than the headline amounts. Lyft says its coverage for the waiting period applies only when the driver's own insurance does not, and that its policy is excess to any rideshare coverage the driver already carries. Neither company prints an amount for uninsured or underinsured motorist coverage on its main insurance page; both point to per-state certificates instead. And both exclude drivers who hold commercial licences, who carry their own commercial policies.
- App off
- Uber: "Your personal auto insurance covers you while you’re offline." Lyft: "Your personal auto insurance coverage applies."
- App on, waiting for a request
- Uber: at least $50,000 per person and $100,000 per accident for injuries, and $25,000 in property damage per accident. Lyft: at least $50,000 per person and $100,000 per accident for bodily injury, and $25,000 per accident for property damage, and in Lyft's words only "if your personal insurance does not apply".
- Ride accepted, driving to the pickup
- Uber treats this and the trip as one period: at least $1,000,000 for property damage and injuries to riders and third parties. Lyft: "In most markets, at least $1,000,000 for third-party auto liability coverage (these limits are lower and/or not procured in certain markets, exceptions noted below)"
- Passenger in the car
- Uber: the same one period, at least $1,000,000. Lyft: at least $1,000,000 for third-party auto liability coverage.
- Uninsured and underinsured motorist coverage
- Uber: "Uber maintains UM/UIM for rideshare in states where it is required by law. Uber does not maintain UM/UIM for rideshare in every state." And: "Riders may have UM/UIM benefits available to them through their own insurance." Lyft: "In the event of a covered accident with a driver who is uninsured or underinsured and is ultimately at fault for bodily injury caused to you and/or your riders, UM and/or UIM coverage, where procured**, would apply."
- A driver who carries their own rideshare cover
- Lyft: "Note: If you already carry commercial insurance (or personal coverage providing specific coverage for ridesharing), Lyft’s policy will be excess to your insurance coverage."
Why these figures are minimums, not what your claim is worth
A policy amount can be presented as if it were a limit on recovery. It is not one.
Every amount on this page is a floor. A statute sets the least a policy must carry during a period, and a company page says what it carries "at least". Neither says what a particular policy actually holds, and neither says an injured person can recover no more than that. The statutes of California and Illinois say it in terms. California's: "This article does not limit the liability of a transportation network company arising out of an automobile accident involving a participating driver in any action for damages against a transportation network company for an amount above the required insurance coverage." Illinois's says the same in almost the same words (Cal. Pub. Util. Code 5433(f); 625 ILCS 57/10(e)).
The limits are also shared. A per-accident amount is the total available to everyone hurt in that crash under that one policy, so the figure per person can be much lower than the headline when more than one person is injured. And the rideshare policy may not be the only one. The at-fault other driver's liability insurance, your own uninsured and underinsured motorist coverage, personal injury protection or medical payments coverage, and, for a driver, workers' compensation or an occupational accident policy can each apply, each under its own rules. How those sources interact, which pays first, whether one reduces another, is state law this page has not researched, and it does not guess.
That is why the calculator above applies no rideshare ceiling at all. An earlier version of it capped passenger estimates at a platform policy amount, which is the arithmetic equivalent of treating a minimum as a maximum. The only cap it applies now is the one you give it: an at-fault policy limit you have actually seen.
The app period decides which policy answers, and you may not know it
Whether the driver was offline, waiting for a request, driving to a pickup or carrying a passenger is a fact on the company's servers.
A statute that defines two periods works this way. The first runs from the moment the driver logs on and is available until a ride is accepted. The second, which statutes call a prearranged ride, runs from acceptance until the last passenger leaves the car, so under such a statute the drive to the pickup and the trip itself are one period. Lyft's own page splits the second period in two, and Uber's treats it as one. Arizona is the one statute here that splits the ride itself: a minimum of $250,000 per incident from accepting the ride, and a minimum of $1,000,000 per incident while a passenger is in the car (Ariz. Rev. Stat. 28-4038(B)(1)).
Multi-app drivers complicate it further. A driver logged on to two platforms at once may be waiting for one company and driving for another, and which company's period governs is not something a calculator can answer from a menu. It is the kind of question the log-on records settle.
Those records belong to the company, and a statute can make the company share them. Among the day counts this research could quote, each is short: New York, "within fifteen days after a claim has been filed" (N.Y. Veh. & Traf. Law 1695(6)), Georgia, "within 15 days of such insurer's request" (O.C.G.A. 33-1-24(h)(4), as enacted by HB 190 (2015)) and Washington, "within ten business days after receiving a request" (Rev. Code Wash. 46.72B.180(11)). The practical steps are the same everywhere: get the police report, keep the trip receipt and any screenshots from the app, and have whoever represents you ask for the log-on records early.
What the statute requires in each of the 17 states we have read
The 17 jurisdictions below were each read from the state's own publication. The other thirty-four have not been researched yet, and this table does not guess at them.
Each row gives the minimums the state's rideshare statute sets for the period when the driver is logged on and waiting, and for the period from accepting a ride until it ends, in the qualifying words the statute itself uses. Where a statute sets a separate amount of uninsured or underinsured motorist coverage, the row says so, and where the statute only points to the state's general uninsured-motorist law, the row quotes that pointer rather than supplying a number.
The source line matters. Some states' official code sites refused the network the research ran on, so their text was read from an Internet Archive capture of the official page itself, dated in the row. A capture is the official page as it stood that day, and an amendment made after it would not show. Where the current code could not be opened at all, the row says it was read from the enacted bill instead. Where nothing official could be read, the row says the amount is not stated here, rather than repeating a figure from an unofficial summary.
- California
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $30,000 for property damage. The company must also keep an excess layer of at least $200,000 per occurrence. From accepting a ride until it ends: in the amount of $1,000,000 for injury, death and property damage. While a passenger is in the car: uninsured and underinsured motorist coverage in the amount of $60,000 per person and $300,000 per accident. Source: Cal. Pub. Util. Code 5433(c)(1); Cal. Pub. Util. Code 5433(c)(2); Cal. Pub. Util. Code 5433(b)(1); Cal. Pub. Util. Code 5433(b)(2), read on the official site.
- Texas
- App on, no ride accepted: a minimum of $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: a minimum of $1,000,000 for injury, death and property damage. Uninsured and underinsured motorist coverage only "where required by Section 1952.101". Source: Tex. Ins. Code 1954.052(1)(A); Tex. Ins. Code 1954.052(1)(B); Tex. Ins. Code 1954.052(1)(C); Tex. Ins. Code 1954.053(1); Tex. Ins. Code 1954.052(2), read on the official site.
- Florida
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: at least $1,000,000 for injury, death and property damage. Uninsured and underinsured motorist coverage only "as required by s. 627.727". Source: Fla. Stat. 627.748(7)(b)1.a.; Fla. Stat. 627.748(7)(c)1.a.; Fla. Stat. 627.748(7)(b)1.c., read on the official site.
- Nevada
- App on, no ride accepted: not less than $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: not less than $1,000,000 for injury, death and property damage. Uninsured and underinsured motorist coverage is optional: the statute says a policy "may include additional coverage". Source: Nev. Rev. Stat. 690B.470(1)(b); Nev. Rev. Stat. 690B.470(1)(c); Nev. Rev. Stat. 690B.470(1)(d); Nev. Rev. Stat. 690B.470(1)(a); Nev. Rev. Stat. 690B.470(6), read from an Internet Archive capture of the official page dated 2026-09-09.
- Utah
- App on, no ride accepted: a minimum of $50,000 per person and $100,000 per accident for injury or death, and $30,000 for property damage. From accepting a ride until it ends: a minimum of $1,000,000 for injury, death and property damage. Uninsured and underinsured motorist coverage only "where required by Section 31A-22-305; and (e) underinsured motorist coverage where required by Section 31A-22-305.3". Source: Utah Code 13-51-108(2)(b); Utah Code 13-51-108(1)(b); Utah Code 13-51-108(1)(d)-(e), (2)(d)-(e), read from an Internet Archive capture of the official page dated 2017-02-16.
- Illinois
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: in the amount of $1,000,000 for injury, death and property damage. While a passenger is in the car: uninsured and underinsured motorist coverage in the amount of $50,000. The act itself says: "Sec. 34. Repeal. This Act is repealed on September 1, 2028." Source: 625 ILCS 57/10(b)(1); 625 ILCS 57/10(c)(1); 625 ILCS 57/10(c)(2); 625 ILCS 57/34, read from an Internet Archive capture of the official page dated 2026-06-15 and read from an Internet Archive capture of the official page dated 2026-01-10.
- New York
- App on, no ride accepted: at least $75,000 per person and $150,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: at least $1,250,000 for injury, death and property damage. During the ride: uninsured and underinsured motorist coverage in the amount of $1,250,000. Source: N.Y. Veh. & Traf. Law 1693(2)(a); N.Y. Veh. & Traf. Law 1693(3)(a), read on the official site.
- Georgia
- App on, no ride accepted, in the words of the 2023 act: it "provides a minimum of $100,000.00 for bodily injuries to or death of all persons in any one accident with a maximum of $50,000.00 for bodily injuries to or death of one person and $50,000.00 for loss of or damage to property of others, excluding cargo, in any one accident". From accepting a ride until it ends: a minimum of $1,000,000 for injury, death and property damage. Source: O.C.G.A. 33-1-24(b)(2), as re-enacted by HB 529 (2023); O.C.G.A. 33-1-24(b)(3), as enacted by HB 190 (2015) and unchanged in this respect by HB 529 (2023), read from the enacted bill, because the current code could not be opened.
- Pennsylvania
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: at least $500,000 for injury, death and property damage. Source: 66 Pa.C.S. 2603.1(a)(2)(i); 66 Pa.C.S. 2603.1(a)(3)(i), read from an Internet Archive capture of the official page dated 2026-06-03.
- Ohio
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: at least $1,000,000 for injury, death and property damage. Source: Ohio Rev. Code 3942.02(A)(2)(a)(i); Ohio Rev. Code 3942.02(A)(2)(a)(ii); Ohio Rev. Code 3942.02(A)(2)(a)(iii); Ohio Rev. Code 3942.02(A)(2)(b), read from an Internet Archive capture of the official page dated 2026-04-19.
- Michigan
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: a minimum combined single limit of $1,000,000 for injury, death and property damage. Source: Mich. Comp. Laws 257.2123(2)(a); Mich. Comp. Laws 257.2123(3)(a), read from an Internet Archive capture of the official page dated 2025-08-13.
- New Jersey
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: at least $1,500,000 for injury, death and property damage. During the ride: uninsured and underinsured motorist coverage of at least $1,500,000. Source: N.J.S.A. 39:5H-10(b)(1), as enacted by P.L.2017, c.26; N.J.S.A. 39:5H-10(c)(1), as enacted by P.L.2017, c.26; N.J.S.A. 39:5H-10(c)(3), as enacted by P.L.2017, c.26, read from an Internet Archive capture of the official page dated 2025-06-20.
- Massachusetts
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $30,000 for property damage. From accepting a ride until it ends: at least $1,000,000 for injury, death and property damage. Uninsured and underinsured motorist coverage only "to the extent required by section 113L". Source: M.G.L. c. 175, 228(c), as enacted by St. 2016, c. 187 (House No. 4570); M.G.L. c. 175, 228(d), as enacted by St. 2016, c. 187 (House No. 4570), read from the enacted bill, because the current code could not be opened.
- Washington
- App on, no ride accepted: no less than $50,000 per person and $100,000 per accident for injury or death, and $30,000 for property damage. From accepting a ride until it ends: in the amount of $1,000,000 for injury, death and property damage. While a passenger is in the car: uninsured and underinsured motorist coverage in the amount of $100,000 per person and $300,000 per accident. Source: Rev. Code Wash. 46.72B.180(1)(b)(i)(A); Rev. Code Wash. 46.72B.180(1)(b)(ii)(A); Rev. Code Wash. 46.72B.180(1)(b)(iii), read on the official site.
- Arizona
- App on, no ride accepted: in the amount of $25,000 per person and $50,000 per accident for injury or death, and $20,000 for property damage. From accepting a ride: a minimum of $250,000 per incident, rising to a minimum of $1,000,000 per incident once a passenger is in the car. During the ride: uninsured motorist coverage of a minimum of $25,000 per person and $75,000 per accident. Source: Ariz. Rev. Stat. 28-4038(A); Ariz. Rev. Stat. 28-4038(B)(1); Ariz. Rev. Stat. 28-4038(B)(2)(a), read on the official site.
- Colorado
- App on, no ride accepted: not stated here, because the amounts could not be read from any current official text. From accepting a ride until it ends: not stated here. No official text stating the amount could be read, and a figure found only in unofficial summaries is not used. During the ride: uninsured motorist coverage of at least $200,000 per person and $400,000 per accident. A company that buys that coverage cannot turn it down for the ride: the statute says "THE NAMED INSURED MAY NOT REJECT THE COVERAGE FOR PERIODS WHEN THE TRANSPORTATION NETWORK COMPANY DRIVER IS ENGAGED IN A PREARRANGED RIDE". Source: C.R.S. 40-10.1-604(2.5), as enacted by HB 22-1089 (Session Laws 2022, Ch. 169); C.R.S. 10-4-609(1)(a)(II), as amended by HB 22-1089 (Session Laws 2022, Ch. 169), read from the enacted bill, because the current code could not be opened.
- North Carolina
- App on, no ride accepted: at least $50,000 per person and $100,000 per accident for injury or death, and $25,000 for property damage. From accepting a ride until it ends: at least $1,000,000 for injury, death and property damage. Uninsured and underinsured motorist coverage only "that complies with the requirements of G.S. 20-279.21(b)(3) and (b)(4)". Source: N.C. Gen. Stat. 20-280.4(a)(2)a.; N.C. Gen. Stat. 20-280.4(a)(3)a.; N.C. Gen. Stat. 20-280.4(a)(2)b., (a)(3)b., read from an Internet Archive capture of the official page dated 2026-03-17.
Where the driver's own insurance stops
Once the app is on, the statutes read here say directly where a personal auto policy stops.
In 15 of the 17 states read here, the rideshare statute either lets a personal auto insurer exclude coverage while the driver is logged on or carrying a passenger, or says a personal policy is not required to cover that time: California, Texas, Florida, Nevada, Utah, New York, Georgia, Pennsylvania, Ohio, Michigan, New Jersey, Massachusetts, Washington, Arizona and North Carolina. Illinois's act takes the other route and makes the company carry contingent coverage "in the event a participating TNC driver's own automobile liability policy excludes coverage according to its policy terms" (625 ILCS 57/10(b)(2)). For Colorado no provision on this point could be read.
For you, this means the claim may not belong with the driver's personal insurer at all once the app is on, and a denial letter from that insurer is not the end of it. The rideshare coverage for the period is where the claim goes. If the driver's personal insurer and the rideshare insurer each say the other is responsible, the app period is the fact that decides it.
No-fault states, thresholds, and deadlines measured in days
In a no-fault state the benefit claim can run on a clock far shorter than the lawsuit deadline.
A no-fault or threshold state changes two things. Personal injury protection pays some medical costs and lost income without anyone having to prove fault, and a claim for pain and suffering may be allowed only when the injury crosses a statutory line. The rows below state those rules for the states where they were read.
None of these shortens the deadline for filing a lawsuit, which is your state's ordinary injury deadline. Across the 51 jurisdictions in our data those run from 1 to 6 years, and the calculator and the deadline table below read the one that applies to a rideshare claim in your state. The benefit deadlines are separate and far shorter.
- Florida: first treatment within 14 days
- Personal injury protection pays medical benefits only "if the individual receives initial services and care pursuant to subparagraph 1. within 14 days after the motor vehicle accident" (Fla. Stat. 627.736(1)(a)).
- Florida: the tort threshold
- Damages for pain and suffering are recoverable "only in the event that the injury or disease consists in whole or in part of" significant and permanent loss of an important bodily function, permanent injury, significant and permanent scarring or disfigurement, or death (Fla. Stat. 627.737(2)).
- Michigan: 1 year for a benefits action
- An action for personal protection insurance benefits "may not be commenced later than 1 year after the date of the accident" unless written notice was given or benefits were paid within that year (Mich. Comp. Laws 500.3145(1)).
- Michigan: the tort threshold
- Tort liability for noneconomic loss remains "only if the injured person has suffered death, serious impairment of body function, or permanent serious disfigurement" (Mich. Comp. Laws 500.3135(1)).
- New York: serious injury
- Between covered persons "there shall be no right of recovery for non-economic loss, except in the case of a serious injury, or for basic economic loss" (N.Y. Ins. Law 5104(a)).
- Pennsylvania: limited tort
- A person who chose limited tort on their own policy is barred from suing for noneconomic loss "Unless the injury sustained is a serious injury", with exceptions the statute lists (75 Pa.C.S. 1705(d)).
- New Jersey: the threshold cannot be used against a rider
- The limitation-on-lawsuit option "shall not be assertable by a transportation network company or a transportation network company driver in any action for damages arising from a prearranged ride" (N.J.S.A. 39:5H-10(j), as enacted by P.L.2017, c.26).
If you were the rideshare driver
A driver hurt while working is not a passenger with a different seat. The case is different.
The companies' liability coverage exists to pay other people when the driver is at fault. For the driver's own injuries, the sources are the other driver's insurer when someone else caused the crash, any uninsured or underinsured motorist coverage the statute or the policy extends to the driver, and whatever the state provides for work injuries, which differs by state.
- Washington: workers' compensation for part of the time
- A driver has the rights of a worker "only while the driver is engaged in passenger platform time and dispatch platform time", so not while waiting for a request (Rev. Code Wash. 51.08.180(2)).
- New York, outside New York City: the Black Car Fund
- "For the purposes of the administration of this article, a black car operator shall include a TNC driver that is engaged in a TNC prearranged trip." The fund is the workers' compensation carrier for black car operators (N.Y. Exec. Law 160-cc(1)(a)).
- California: occupational accident insurance
- Proposition 22 requires the company to carry occupational accident insurance for drivers, with coverage for medical expenses up to at least $1,000,000 (Cal. Bus. & Prof. Code 7455(a)(1)). It covers the driver's own injuries, not anyone else's.
- Ohio: outside workers' compensation
- The workers' compensation chapters "do not apply to transportation network companies" with regard to their drivers, "except where agreed to by written contract" (Ohio Rev. Code 4925.10(A)).
- Independent contractors by statute
- Texas, Florida, Michigan and North Carolina each have a statute on it (Tex. Occ. Code 2402.114; Fla. Stat. 627.748(9); Mich. Comp. Laws 257.2137(1); N.C. Gen. Stat. 20-280.8). North Carolina's is a rebuttable presumption; the others apply when the conditions each statute lists are met.
- Medical coverage written for the driver
- Pennsylvania requires first-party medical benefits including $5,000 for a driver (66 Pa.C.S. 2603.1(a)(2)(ii)). New Jersey requires medical payments coverage of at least $10,000 per person per incident during a ride, which applies only to the driver (N.J.S.A. 39:5H-10(c)(2), as enacted by P.L.2017, c.26).
New York City, Philadelphia, and commercial drivers
Three situations where the rideshare rules above do not describe the policy that applies.
New York's rideshare article says: "Nothing in this article shall apply to cities with a population of one million or more." (N.Y. Veh. & Traf. Law 1692(10)). That takes New York City out of every New York figure on this page, and Lyft's own page says: "For rides with (i) Taxi and Limousine Commission (TLC) drivers originating in the five boroughs of New York City and specific NY counties (Westchester, Nassau, Suffolk, Dutchess, Ulster, and Rockland), and (ii) livery and/or Transportation Charter Permit (TCP) drivers countrywide, Lyft does not procure insurance." Pennsylvania's chapter does the same for its one city of the first class, Philadelphia: its provisions "shall not apply to transportation network companies, transportation network company drivers or transportation network services originating within a city of the first class" (66 Pa.C.S. 2603(a)). And both companies exclude drivers who hold commercial licences. Uber: "The rideshare insurance discussed here does not apply to livery, taxi, for-hire, or other commercially licensed drivers." Lyft: "As a professionally licensed driver, you are subject to state or local livery regulations, including requirements to carry your own commercial auto insurance. Rideshare insurance policies do not apply."
If your ride was in one of these places, or your driver was a licensed livery, black car or taxi driver working through an app, the amounts in the table above are the wrong reference point, and the right one is the commercial policy on that vehicle.
What this page has not researched
Stated plainly, because a missing answer should not read as a settled one.
Thirty-four jurisdictions, for a start: the 17 states above are the ones read so far. Beyond that, the research behind this page did not cover how the rideshare policy interacts with your own coverage (which pays first, whether one reduces another, whether policies can be stacked), how collateral-source rules treat health-insurance payments, whether a claim can be brought against the company itself for its own conduct, notice rules when a government vehicle is involved, or claims for assault and other harm that is not a collision. Any of those can move a settlement. None is answered here.
What actually moves your settlement
Two cases with the same medical bills can settle for very different amounts. These are the variables that pull them apart.
Uber accident settlement: filing deadlines by state
Once this deadline passes, a court can dismiss the case however strong it is. Some states pause or extend the period, for a minor for example. The calculator counts each period from the date of the incident, and a lawyer in your state can confirm when yours began.
Do you need a lawyer?
- Minor injury only, no lasting impact
- Clear liability, soft-tissue injury with a fast recovery
- Insurer's first offer meets your documented damages
- You're comfortable negotiating and have time to document
- Any surgery, hospitalization, or permanent impairment
- Disputed liability, multiple parties, or commercial defendant
- Insurer is delaying, denying, or lowballing
- Policy limits exceeded or underinsured issues
- You're unsure what your case is worth, which is what this tool is for